Adopting One of these Dog Breeds Could Cause Insurance Issues

by | Mar 2019

Doberman Pinscher


Call your insurance agent to find out if they cover your preferred breed.

As spring approaches, many think about adding a fur baby to their family. But many do not consider the financial ramifications this may create.

As a pet boarding company, we’ve come to know a lot of breeds of dogs pretty well. And some breeds thought to be scary can be pretty sweet. But that doesn’t mean your insurance company cares how sweet your dog is. If you own what’s considered a risky breed, you might face some headaches when it comes to homeowner’s or renter’s insurance. Insurers fear potential lawsuits from dog bites.

A company might deny coverage because of your dog’s breed, which means you’ll have to find a carrier that doesn’t discriminate, but might be more expensive. If you get a “risky” dog anyway and don’t tell your insurance company, this could mean potentially denied claims.

Every company is different, but as a rule, these breeds are denied most often (with the top 4 more often than any other):

  • Pit Bulls and Staffordshire Terriers
  • Doberman Pinschers
  • Rottweilers
  • German Shepherds
  • Chows
  • Great Danes
  • Presa Canarios (Canary Mastiffs)
  • Akitas
  • Alaskan Malamutes
  • Siberian Huskies
  • Wolf-hybrids

Call your insurance agent to find out if they cover your preferred breed.

Ann Platt is owner of Pets Are Inn, an award-winning pet lodging business in Edina.


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